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Foreclosure Prevention Success Stories - KCCD
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Foreclosure Success Stories
  • Juanita and Jose Rojas

    Reduced payment by more than 11 percent!

    'We are very, very happy that there is a place like KCCD, a place where people can come and really get help.'

    Juanita and Jose Rojas purchased their home in October 2001 and lived in it comfortably for over twelve years, raising both their children inside this house. Unfortunately, in 2013, Jose Rojas suffered a grave injury at work and they fell behind on their mortgage payments.

    With little other choice, Juanita began to work three different jobs to try to catch up with the mortgage. Unfortunately, Juanita and Jose found themselves faced with the very real possibility of losing their home. It was then which the family turned to KCCD and, through KCCD's assistance, were able to receive their much-needed modification, reducing their payment by more than 11 percent!

    Ms. Rojas remarked gratefully, 'Home sweet home. Thank God we have it.'
  • Mariam Lalabekyan

    Reduced the mortgage payment and catching up on the past dues!

    'I am so happy that I ended up in KCCD's office. They have a good heart and gave me good work. Thank you.'


    Mariam and her husband Saak have been living in their Granada Hills home since 1993. It wasn't until 2013, when her husband lost his job and Mariam went on disability shortly after. Unable to keep making the payments, they have tried to go back to work but health conditions have made it difficult to keep a full-time job. As they are both approaching retirement age, Mariam and Saak are able to make their payments when they retire but needed assistance to catch up on their payments.

    With over 8 months being behind, Mariam reached out to KCCD to see what options are available to get her back on track. After working with Mariam's lender, Wells Fargo, KCCD was able to get her an affordable modification, reducing her mortgage payment and catching up on her past dues.
  • S. Chung

    The Chung family’s hardship began when their son was born with medical complications requiring many surgeries. The family spent their entire savings, including their 401K to pay for all their bills and could no longer pay their mortgage or the property tax. In May 2011, their outlook started to look better when their son's health began to improve and Mrs. Chung was able to return to work. However, because of their delinquent payments that had accrued during their financial hardship, they needed assistance even for their current payments. Through KCCD’s assistance, they received a modification in their payment and interest rate reduction that they could afford.

    Details Lender: IndyMac PITI Before: $4,121.00 PITI After: $3,452.56 Saving $668.44 a month! Interest Before: 6.75% Interest After: 2.625%
  • S. Ki

    Ms. Ki and her family were dependent solely on her husband's income to support their family. When the economy tanked, Mr. Ki was forced to close his business. Ms. Ki was able to find employment but her income was not enough to meet all their payments. Through KCCD’s help, the family was able to receive a significant reduction in their monthly mortgage payment by over $1400.

    Lender: Bank of America PITI Before:$3,576.53 PITI After: $2,161.14 Saving $1,415.39 a month! Interest Before: 2.275% Interest After: 2%
  • M. Kim

    Starting in November 2009, Mr. Kim’s family business started to decline and they fell behind on their mortgage payments. With KCCD’s assistance, however, they were able to restructure their mortgage so that they would pay 2% interest for the first five years, 3% interest in the sixth year, and 3.875% interest starting in the seventh year resulting in lower monthly mortgage payment by $1200. "Chase Bank PITI Before:$4,513.16 PITI After: $3,272.34 Saving $1,240.82 a month! Interest Before: 3.04% Interest After: 2% Received: 6/1/2012"
  • A. Le

    "Mr. Le suffered a loss of income when he was forced to take a leave of absence when his employer's business also started to decline. He was also traumatized by his father’s passing away resulting in a mental hardship. Unable to make his high mortgage payment, he came to KCCD for help. Through KCCD, he was able to get a successful loan modification allowing him to lower his payments by over $1200 and keep his home". "Bank of America PITI Before:$3,768.85 PITI After: $2,543.27 Saving $1,225.58 a month! Interest Before: 6% Interest After: Case Opened: 8/23/2011 Workout Received: 4/1/2012"
  • S. Lee

    Mr. Lee bought his home in May 2004. Due to the bad economy and serious health issues, he was forced to close his business and start receiving unemployment benefits. In September 2009, Mr. Lee was diagnosed with health issues and had surgery. With high medical bills from the surgery and check-ups, he found it difficult to keep up with his mortgage payments. Even though conditions have improved for him and his family, Mr. Lee still struggled and needed assistance. KCCD was able to assist him in receiving a 100% forgiveness for his 2nd mortgage of $195,849.22! "Bank of America PITI Before: N/A PITI After: N/A Saving $195,840.22 in Principal Forgiveness! Interest Before: N/A Interest After: N/A Received: 9/10/2012"
  • U. Lee

    In March 2011, Ms. Lee's financial hardship began when she received a paycut of 29% when her employer also started to face financial difficulties due to the recession. She also needed to support her ailing parents. Ms. Lee actively searched for an-other job but it was not an easy transition. In May 2011, she fell behind on her payments and did not know what to do or where to go. Ms. Lee heard about KCCD and came to the group counseling in order to figure out her best options. Through KCCD, she was able to restructure her mortgage and reduce her monthly payment by over $1500. "Wachovia/Wells Fargo PITI Before:$3,428.00 PITI After: $1,879.98 Saving $1,548.02 a month! Interest Before: 5.57% Interest After: 2% Received: 2/21/2012"
  • G. White

    Ms. White and her family had to deal with many financial and personal hardships including her work hours being reduced, losing a family member, and having to deal with unexpected but necessary home repairs. As a result, she fell behind on the mortgage and needed help. She attended KCCD’s Foreclosure Fair in hopes of receiving some assistance. Through KCCD, Ms. White was able to reduce her mortgage payment by over $1500 plus receive a principal forgiveness of $234,708.58! "Bank of America PITI Before:$1,917.67 PITI After: $1,448.67 Saving $469.00 a month! + $234,708.58 in Principal Forgiveness! Interest Before: 2.375% Interest After: 2.375% Case Opened: 7/16/2012 Workout Received: 11/15/2012"
  • J. You

    Mr. You started experiencing financial difficulties in March 2009 and soon fell behind on his mortgage payments. The psychological pressure caused him to lose his appetite and sleep. The You family began to worry and feared they would lose their home. They reached out to KCCD for assistance and was able to reduce their monthly mortgage payment by over $1,600 as well as have a lower interest rate. "Bank of America PITI Before:$3,105.58 PITI After: $1,460.04 Saving $1,645.54 a month! Interest Before: 4.25% Interest After: Received: 8/1/2012"
  • S. Chang

    In 2008, Ms. Chang had brain surgery but continued to have additional health issues even after the surgery. As a result, she could not work. In September 2010, her employer, Kaiser, terminated her employment because she could not return to work, and she lost all benefits. She was unable to work for three and a half years forcing her to use her retirement fund to cover her expenses. Mr. Chang worked additional hours to make up for the household's loss of income, but could not continue due to a shoulder surgery. With her medical expenses continuing to rise, paying the mortgage became more difficult. With KCCD’s assistance, however, they were able to reduce their mortgage payment by over $1100 and save their home from foreclosure. "Bank of America PITI Before:$2,672.06 PITI After: $1,535.18 Saving $1,136.88 a month! Interest Before: 6% Interest After: Received: 5/1/2012"
  • V. Daniels

    Ms. Daniels refinanced in 2006. According to her contract, she only made payments on the interest, and the principal amount remained the same. When her monthly payments started to increase, she was unable to keep up with her payments. She also had dependents to take care of. However, with KCCD’s assistance, she was able to lower her mortgage payment by over $500 and keep her home. "Bank of America PITI Before:$2,530.58 PITI After: $1,964.62 Saving $565.96 a month! Interest Before: 3.5% Interest After: Received: 6/1/2012"
  • A. Jadhavji

    Mr. Jadhavji's loss of income and high payments caused his family to struggle financially, and he hoped to receive help before becoming delinquent. He was self-employed, and his business began to decline over 10 months. In the past, Mr. Jadhavji received assistance from his son, but due to the economy, his son was no longer to able to help pay the mortgage. He had depleted almost all of his savings, and he was dealing with additional expenses related to supporting his mother. He did not want to fall behind on his mortgage but saw that he would in the near future. In order to avoid any delinquencies, he reached out to KCCD for assistance. KCCD was able to help reduce his mortgage payment by over $2600. "American Home Mortgage Servicing Inc. PITI Before:$4,374.24 PITI After: $1,724.74 Saving $2,649.50 a month! Interest Before: 7.9% Interest After: Received: 4/1/2012"
  • G. Kim

    Ms. Kim operated a small liquor store business but due to personal circumstances she had to close her business. The closure took a big toll on her family's monthly income. They began to rely solely on rental income and wages from a part-time employment. This made things very difficult and tight. After attempting to work directly with the bank, they came to KCCD for counseling. With KCCD’s help, they were able to reduce their monthly payment by over $280 and save their home. "Bank of America PITI Before:$1,829.55 PITI After: $1,543.40 Saving $286.15 a month! Interest Before: 5.375% Interest After: Received: 5/1/2012"
  • M. Kim

    Starting in November 2009, Mr. Kim fell behind on his mortgage after business sales started to decline. With the assistance of KCCD, they were able to restructure their mortgage so that they would pay 2% interest for the first five years, 3% interest in the sixth year, and 3.875% interest starting in the seventh year. Their monthly mortgage payment was decreased by over $1200. "Chase Bank PITI Before:$4,513.16 PITI After: $3,272.61 Saving $1,240.55 a month! Interest Before: 3.041% Interest After: 2% Received: 3/1/2012"
  • S. Kim

    Mr. Kim was laid off from work in 2007. He also had to deal with medical expenses for the past three years. Due to the loss of income and exorbitant medical bills, Mr. Kim has had a difficult time paying his mortgage. He had exhausted all of his saving and resources. With fear of losing his home, he came to KCCD in need of assistance. KCCD was able to help him receive an interest rate reduction from 6.25% to 4.625% and lower his payment by over $250. "Bank of America PITI Before:$1,675.81 PITI After: $1,422.05 Saving $253.76 a month! Interest Before: 6.25% Interest After: 4.625% Received: 4/1/2012"
  • B. Lee

    Mr. Lee and his family fell into hardship when the commercial real estate market started to slow down and his income from commissions could no longer keep up with his expenses. He had a tough time paying for his son's college tuition, interest on a loan borrowed against his wife's 401k, and the mortgage. At the end of 2011, Mr. Lee started his own brokerage firm in hopes of improving his financial situation. However, the income has not been sufficient to cover his expenses. In need of help, he reached out to KCCD. KCCD was able to help him receive a principal forgiveness of $169,010.85 a well as a more affordable monthly payment and rate through a trial modification. "Bank of America PITI Before:$3,792.63 PITI After: $2,806.83 Saving $985.80 a month! Interest Before: 3.5% Interest After: 2.297% Case Opened: 8/23/2011 Workout Received: 6/1/2012"
  • M. Sullivan

    Ms. Sullivan through KCCD’s assistance was able to receive a principal reduction of $158,000. "Wells Fargo PITI Before:$2,582.53 PITI After: N/A Saving $158,000.00 in Principal Forgiveness! Received: 8/29/2012"
  • G. White

    Ms. White and her family faced many financial and per-sonal hardships. Ms. White's hours at work was reduced, she lost a family member, and she also had to deal with unexpected but necessary home repairs. With excessive bills, she accrued debt. As a result, she fell behind on the mortgage and needed help. She attended KCCD’s Foreclosure Fair in hopes of receiving some assistance. Through KCCD Ms. White was able to receive a lower payment plus a principal forgiveness of $234,708.58 through a trial modification. "Bank of America PITI Before:$1,917.30 PITI After: $1,448.67 Saving $468.63 a month! Interest Before: 2.375% Interest After: Received: 8/8/2012"
  • J. You

    Mr. You started experiencing financial difficulties in March 2009 and soon fell behind on his mortgage payments. The psychological pressure caused him to lose his appetite and sleep. The You family began to worry and feared they would lose their home. They reached out to KCCD for assistance and was able to reduce their monthly mortgage payment by over $1,600 as well as have a lower interest rate. "Bank of America PITI Before:$3,118.00 PITI After: $1,460.03 Saving $1,657.97 a month! Interest Before: 4.25% Interest After: Received: 5/1/2012"
  • W. Yoon

    Mr. Yoon suffered a significant loss of income when his business volume fell by half. Losing his sister who was also part of the business in 2010 caused further hardship. He was further financially burdened when he had to take care of his blind mother while trying to manage the business by himself. After several attempts to work with the bank directly and being unsuccessful, he came to KCCD for help. KCCD was able to help him modify his monthly mortgage payment and help with his financial struggle through a trial modification. "Chase Bank PITI Before:$1,670.00 PITI After: $1,446.89 Saving $223.11 a month! Interest Before: 4.875% Interest After: Received: 6/6/2012"
  • A. Ahmad

    Mrs. Ahmad was suddenly laid off and found it hard to find a new job. Although her husband owned a small hotel, due to business being slow their income was insufficient. As a result, they were unable to keep up with the mortgage payments and other expenses. In need of help, they contacted KCCD for assistance and was able to qualify for the Unemployment Mortgage Assistance Program. Counseling Date: 5/9/2012
  • R. Armstrong

    Mr. Armstrong was laid off in February 2012 and started receiving unemployment benefits. Because his wife is disabled, she could not work to help with the income. The amount that Mr. Armstrong received from his benefits was not enough to cover their current bills and mortgage payments. Through KCCD, the Armstrong family qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/10/2012
  • S. Arredondo

    "Mr. Arredondo was laid off in November 2011. His wife Mrs. Arredondo had been working but had to take maternity leave. With his wife no longer being able to provide income, he called KCCD for assistance through KYHC. With KCCD’s help, Mr. Arredondo qualified for the Unemployment Mortgage Assistance Program." Counseling Date: 5/8/2012
  • E. Babers

    Mr. Babers lost his job in April 2011. Shortly after, he was in an accident and was unable to look for work. The unemployment benefits he received and his mother's income were not enough to cover the medical and all other expenses. In need of help, he reached out to KCCD and through KYHC he qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/14/2012
  • S. Bantly

    Mr. Bantly’s hardship began when his wife Mrs. Bantly passed away in April 2011. As a result, Mr. Bantly suffered having reduced income and high medical bills on top of other expenses. Now that his situation is better, with some assistance he would be able to keep up with his mortgage payments. Contacting KCCD, Mr. Bantly applied for KYHC. Through KCCD’s help, he qualified for the Mortgage Reinstatement Assistance Program. Counseling Date: 5/31/2012
  • T. Bliss Teng

    Mrs. Bliss Teng had been working at a company that she and her husband owned. But after his passing, the company was left with big financial obligations and was forced to close, which also left her without work. Although she had some cash reserves, she was facing exhausting her reserves and being unable to make her mortgage payments. Seeking help through KYHC, Mrs. Bliss Teng contacted KCCD and qualified for the Unemployment Mortgage Assistance program. Counseling Date: 5/5/2012
  • C. Brown

    Mr. Brown was laid off in December 2011. Since then, he had been using his savings to make his mortgage payments. However, he eventually exhausted all of his savings and needed help. Mr. brown reached out to KCCD for assistance and he was able to be qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/18/2012
  • C. Cabrera

    Ms. Cabrera worked for the Federal Government as a contract worker. Her hardship began when she was laid off in September 2012. With her unemployment benefits not being enough, she used her credit cards to pay her expenses and had managed to not miss her mortgage payment. However, no longer able to maintain her mortgage payments, she called KCCD to apply for KYHC. With KCCD’s assistance, Ms. Cabrera qualified for the Unemployment Mortgage Assistance Program Counseling Date: 10/18/2012
  • H. Chang

    Mr. Chang’s hardship started when his employer’s company downsized. He was able to keep his position but ended up receiving a pay cut. With the reduction in income, he was no longer able to afford his mortgage payments. He requested assistance from the mortgage company and a short sale was approved. Leaving his home, he called KCCD for assistance in moving to a new location. With KCCD’s help, Mr. Chang qualified for the Transitional Assistance Program. Counseling Date: 6/13/2012
  • J. J. Choi

    Mr. Cho’s hardship began when he lost his job in August 2011. He kept up with mortgage payments by relying on income and savings from his wife. However, the reduction in income had a significant impact on their finances and Mr. Cho built up a high credit card debt. Needing help, they contacted KCCD to apply for KYHC and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 4/23/2012
  • J. H. Choi

    Mr. Choi’s hardship started when he lost his job in April 2012. His wife Mrs. Choi ran her own business, but the business was slow and could not make up the loss of income. As a result, they were not able to keep up with their mortgage payment and expenses. KCCD was able to help their family qualify for the Unemployment Mortgage Assistance Program Counseling Date: 5/7/2012
  • P. Corona

    Mr. Corona’s hardship began when he was in an accident and took a leave of absence from work. Shortly after, he was laid off due to his employer going bankrupt. With just unemployment benefits, it was not enough for him to make his mortgage payments. Mr. Corona applied for KYHC through KCCD and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/17/2012
  • B. Courtney

    Mr. Courtney was in military service until he was injured. Due to his injury, his wife had to stop working in order to take care of him. With the only source of income being Mr. Courtney’s unemployment benefits, they found it difficult to keep up with their mortgage payment and expenses. The Courtney family reached out to KCCD for assistance and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 6/5/2012
  • A. De La Rosa

    Mr. De La Rosa’s hardship began in May of 2010 when he lost his second job. For over a year, Mr. De La Rosa and his wife lived on a reduced income. In September 2011, they received a loan modification but still needed assistance in catching up with their past dues amounts. The De La Rosa family contacted KCCD and through KYHC was qualified for the Mortgage Reinstatement Assistance Program. Counseling Date: 1/23/2012
  • H. Erazo

    Mrs. Erazo was a stay at home parent with five children and worked as a nanny from March 2012. Her husband who worked as a press operator assistant was their main source of income. After nine years, her husband’s company failed and he was laid off in March 2012. Her husband received unemployment benefits but due to reduced income, they had a difficult time making their mortgage payments. Even when they used their savings, it was still difficult. Needing help, the Erazo family applied for KYHC through KCCD and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 9/13/2012
  • K. Estea

    Ms. Estea’s hardship started in February 2011 when she became ill and was unable to work for three months. At the end of the 90-day period, she received a layoff notification. Ms. Estea received unemployment benefits, but the income was not enough to pay her mortgage payment and other expenses. She needed assistance and reached out to KCCD and applied for KYHC. Through KCCD’s help, Ms. Estea qualified for the Unemployment Mortgage Assistance program. Counseling Date: 3/28/2012
  • M. Estrada

    Ms. Estrada was laid off in March 2012 and had been unable to find another job. Due to Ms. Estrada being the only source of income for her family, her unemployment benefits were not enough to keep up with the mortgage payment and other expenses. She contacted KCCD to apply for KYHC. With KCCD’s help, Ms. Estrada qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/9/2012
  • H. Estreller

    Mr. Estreller’s hardship started when he lost his job in April 2011. He tried hard to find another job but found it very difficult due to his age and economy. During this time, he had been using his savings to make payments, but now this had been exhausted. Mr. Estreller came to KCCD for assistance and through KYHC, qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 4/10/2012
  • R. Fitzgerald

    Mr. Fitzgerald’s hardship started when he had an accident in 2010. As a result of his injuries, he became unemployed. Being unable to pay his mortgage and other expenses, Mr. Fitzgerald filed for bankruptcy. He started working again after his bankruptcy was discharged but ended up being laid off again. Needing help, he contacted KCCD to apply for KYHC. Through KCCD, Mr. Fitzgerald qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/3/2012
  • J. Fuentes

    Mr. Fuentes was laid off when his company closed down. He applied for unemployment benefits. His wife Mrs. Fuentes also worked, but their combined reduced income was not enough to support their four children and pay the mortgage and other expenses. Mr. Fuentes called KCCD to apply for KYHC and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/4/2012
  • D. Garcia

    "Mr. and Mrs. Garcia both lost their jobs. Mr. Garcia was laid off at the end of December 2011 and Mrs. Garcia lost her job when her company closed down. With a significant reduction of income, they struggled making mortgage payments and other expenses. The Garcia family contacted KCCD to apply for KYHC. With KCCD’s help, they qualified for the Unemployment Mortgage Assistance Program." Counseling Date: 5/8/2012
  • J. Gleason

    Mrs. Gleason’s hardship started when her husband was laid off in August 2012 from his job as a service technician of twenty-eight years. Mrs. Gleason worked at a school district as a secondary kitchen operator and was still employed. With Mrs. Gleason being the main source of income, making mortgage payments was difficult. The Gleason family called KCCD for assistance for KYHC and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 8/30/2012
  • B. Goodman

    Ms. Goodman was self-employed running a day care center. When her husband was alive and assisting her, her business did well. However, after her husband passed away in 2009 Ms. Goodman found it difficult to handle the business by herself. Her only other source of income was Social Security. In 2010, it became difficult for her to maintain mortgage payments, and she fell behind. Ms. Goodman, who was in desperate need of help, contacted KCCD to apply for KYHC. Through KCCD’s assistance, she qualified for the Mortgage Reinstatement Assistance Program. Counseling Date: 9/17/2012
  • M. Guerrero

    Ms. Guerrero was employed as a credit specialist for over five years until she was laid off in March 2012. She exhausted her savings between March 2012 to September 2012. But now with just unemployment benefits, she was not able to make ends meet and sought out KCCD to apply for KYHC. With KCCD’s help, Ms. Guerrero qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 9/27/2012
  • J. Harp

    "Mr. Harp and his family faced financial hardship as a result of several unfortunate events. A family member became ill, and his previous employer improperly underpaid him. Meanwhile, their mortgage payments and university tuition increased. As a result, he could not keep up with his mortgage payments and expenses and called KCCD for assistance. Through KYHC, the Harp family qualified for the Mortgage Reinstatement Assistance Program." Counseling Date: 3/28/2012
  • H. Hernandez

    Mr. Hernandez was laid off in December 2011 and had not been able to find another job since then. His family's income was not sufficient to cover his mortgage payment and expenses and needed help. Mr. Hernandez called KCCD for as-sistance through KYHC and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/17/2012
  • A. Hwang

    Ms. Hwang worked as a teacher. Her hardship began when her pay was reduced by $20,000. As a result, she fell behind on her mortgage payments and other expenses. Being in a better position now, she will able to keep up with her mortgage payments with some assistance. Ms. Hwang contacted KCCD to apply for KYHC and qualified for the Mortgage Reinstatement Assistance Program. Counseling Date: 5/31/2012
  • A. Jennings

    Mrs. Jennings’s hardship began in August 2011 when she became unemployed. Her unemployment benefits were not sufficient to pay for the house renovations, utilities, and her son’s college tuition, and her mortgage and she became delinquent on her mortgage, Mrs. Jennings sought out KCCD for help. Through KYHC, she qualified for the Mortgage Reinstatement Assistance Program. Counseling Date: 1/19/2012
  • A. Josef

    Mr. Josef’s hardship occurred when he was laid off in March 2012. With his reduced income, he could no longer cover his mortgage payments, living expenses, and medical bills. Seeking relief, Mr. Josef contacted KCCD to apply for KYHC and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/7/2012
  • M. Khan

    Mr. Khan’s hardship began when he lost his job at IBM in March 2011. His wife had been unemployed since 2004 but recently had started work. The Khan family was paying their principal and interest payments, but they were not able to pay the property tax and insurance on the mortgage. To increase their income, Mr. Khan began looking for an engineering job while his wife worked part-time. However, the Khan family needed help and contacted KCCD to apply for KYHC. With KCCD’s assistance, they qualified for the Unemployment Mortgage Assistance program. Counseling Date: 8/9/2012
  • B. Kibbes

    Mr. Kibbes was previously employed as a skilled laborer for three years and earned a stable income. He was laid off in August 2012. His wife Mrs. Kibbes was also unemployed. Due to their unemployment, their household income had been drastically reduced to less than half of what it was before. They also had an excessive amount of credit card debt. Having difficulty maintaining their mortgage payments on time, the Kibbes family sought out KCCD in applying for KYHC. With KCCD’s assistance, the Kibbes family was able to qualify for the Unemployment Mortgage Assistance Program. Counseling Date: 10/9/2012
  • S. Ko

    Ms. Ko’s hardship started when she was laid off in 2009. Since then, she began an interpretation and translation company. Now she has the stable income, but it is not quite enough to cover her current payments and sought out KCCD for assistance. With KCCD’s help, Ms. Ko qualified for the Principal Reduction Program. Counseling Date: 6/8/2012
  • J. Konczak

    Mr. Konczak had been working as a carpenter since 2008 and had received good pay. But due to the economy, his hours started to be cut and became inconsistent and at times for weeks he had no work. The situation worsened in February 2012 when he had no work for about two months. In September 2012, he found another job but got laid off. In November 2012, he began working for another company but got laid off again after two weeks. During these periods, Mr. Konczak found it difficult to make payments. In May 2012, Mr. Konczak filed for unemployment benefits. His wife who worked part-time as a Sales Floor Associate helped pay for the mortgage but still was not enough. With Mr. Konc-zak’s unstable income, the Konczak family needed help. Finding KCCD, the Konczak family applied for KHYC and qualified for the Principal Reduction Program. Counseling Date: 12/14/2012
  • J. Lee

    Mr. Lee's hardship began when his small business floundered and his income decreased from $50,000 to $30,000 in 2011. Mr. Lee was unsure if and when his business would pick up. In January 2012, Mr. Lee and his wife began receiving Social Security payments. Due to slow business, Mr. Lee began borrowing money to pay his expenses. Still behind on mortgage payments, they contacted KCCD to apply for KYHC. With KCCD’s help, the Lee family qualified for the Principal Reduction Program. Counseling Date: 2/14/2012
  • J. H. Lim

    Mr. Lim worked as an insurance agent. His hardship began around August 2011 when his income decreased due to reduced business. Mr. Lim's monthly income fell from $5,000 to about $1,000-$2000. As a result, he fell behind on his mortgage payments. In January of 2012, things looked better as Mr. Lim started a new job that paid $5,500 per month. However, he needed assistance paying his delinquent payments. He contacted KCCD to apply for KYHC. Through KCCD’s assistance, Mr. Lim qualified for the Mortgage Reinstatement Assistance Program. Counseling Date: 2/7/2012
  • E. Manalo

    Mr. Manalo’s hardship started in November 2011 when he lost his job. Around April 2012, Mr. Manalo started working but was soon laid off again. Mr. Manalo was in a desperate situation because his only source of income was unemployment benefits. Seeking help, he reached out to KCCD to apply for KYHC and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/16/2012
  • M. Marinov

    Mrs. Marinov was laid off from her job in July 2010. She had depended on her unemployment benefits but her benefits were set to expire on June 2012. Her husband was a waterproofing contractor, but his work had been inconsistent throughout 2011. Her husband hoped in 2012 to have more work and greater income stability, but due to their limited income had trouble making their mortgage payments. The Marinov family contacted KCCD to apply for KYHC, in which they qualified for the Unemployment Mortgage Assistance program. Counseling Date: 1/27/2012
  • W. McMahan

    Mr. McMahan is a retired teacher. His hardship started at the end of 2011. Due to disability, Mr. McMahan wrote out the checks but gave them to his son to process. Around September 2012, when he checked to see if his bills, including the mortgage payments, were being paid, he learned that his son had taken the money and had made no payments. As a result, his mortgage payments had been in default for several months. He had no problem in being able to make his current mortgage payments, but with his fixed income, he could not pay back the arrears. Mr. McMahan sought help from KCCD to apply for KYHC and qualified for the Mortgage Reinstatement Assistance Program. Counseling Date: 12/21/2012
  • J. Mejia

    Mr. Mejia’s hardship started when he was laid off from his job of twenty years in August 2010. During this time, he was able to maintain mortgage payments with his unemployment benefits and income he received from his girlfriend. In June 2011, Mr. Mejia's hardship increased when he separated from his girlfriend. The loss of income made it difficult to keep up with his mortgage payments and he contacted KCCD for assistance through KYHC. With KCCD’s help, Mr. Mejia qualified for the Unemployment Mortgage Assistance program. Counseling Date: 1/27/2012
  • Y. Mileff

    Ms. Mileff was employed as a business manager for four and a half years and earned $90,000 annually. However, she was laid off in September 2012. Although she received a severance pay for three months at $7,500/month and had savings of $5000, she soon exhausted her resources paying her mortgage payment and expenses. She even cut her expenses by not having a cell phone, firing her gardener, and reducing her health insurance. Even with reduced expenses, it was still difficult paying her mortgage. She called KCCD to apply for KYHC. With KCCD’s help, Ms. Mileff qualified for the Unemployment Mortgage Assistance program. Counseling Date: 9/18/2012
  • C. Mills

    Mr. Mills’s hardship began when he experienced several layoffs and went through a divorce. Without work, his source of income had been unemployment benefits. Previously, he had used his savings to make his mortgage payments but his savings were nearly exhausted. Having struggled to make his mortgage payments, Mr. Mills called KCCD to apply for KYHC. Through KCCD’s help, he qualified for the Unemployment Mortgage Assistance program. Counseling Date: 5/24/2012
  • T. Panibratets

    Ms. Panibratets's hardship started when her husband passed away in 2009, and she was laid off the following year. She had been relying solely on unemployment benefits until now. With her limited income, she found it hard to keep up with the mortgage payments/ She sought out KCCD for help through KYHC. Through KCCD’s help, Ms. Panibratets qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/10/2012
  • A. Perez

    Mr. Perez’s hardship began when he was laid off from the post office. With reduced income, it was difficult to make his mortgage payments or pay off his expenses, such as student loans and auto payments. Needing help, he called KCCD to apply for KYHC and qualified for the Unemployment Mortgage Assistance program. Counseling Date: 6/7/2012
  • M. Peters

    Mr. Peters had worked as a crew supervisor for a construction type business and management and had earned between $100,000 to $120,000 a year. He worked there for almost twenty-two years until he was laid off in June 2012. His wife was employed as a part-time Special Education Aide working roughly four hours each day. With reduced income, increased expenses and debt, they had to resort to borrowing money from family and friends. Also, their savings had been exhausted. Looking for relief, the Peters family called KCCD to apply for KYHC. With KCCD’s help, they qualified for the Unemployment Mortgage Assistance program. Counseling Date: 10/8/2012
  • E. Phengsi

    Mrs. Phengsi’s hardship started when her full-time work hours was reduced by half. She received partial unemployment benefits. In September 2012, she was laid off and received full benefits. Although her husband retained his job as a teacher, Mrs. Phengi's reduction in income made it hard for them to keep up with the mortgage payments. Furthermore, they had exhausted their savings. Looking for help, the Phengsi family called KCCD to apply for KYHC and qualified for the Unemployment Mortgage Assistance program. Counseling Date: 5/3/2012
  • R. Prakash

    Mr. Prakash used to work in a factory, but he was laid off in May 2010. Since then, he had tried to find another job while on unemployment benefits. Seeking help on his mortgage payments, he called KCCD to apply for KYHC and qualified for the Unemployment Mortgage Assistance Program. Counseling Date: 5/2/2012
  • S. Richardson

    Mr. Richardson’s hardship started when he was laid off in January 2012. Since then, he used his cash reserves and unemployment benefits to pay his mortgage payment and other expenses such as medical bills and children to support. Having exhausted his savings, he was unable to keep up with his mortgage payments and needed assistance. Mr. Richardson called KCCD for help through KYHC and qualified for the Unemployment Mortgage Assistance program. counseling Date: 5/21/2012
  • M. A. Sim

    Ms. Sim’s hardship started in 2008 when her mortgage payments started to increase. She applied for a loan modification but was unable to make payments. In 2010, she lost her job and started to receive unemployment benefits. Unable to keep up with her mortgage payments, Ms. Sim reached out to KCCD. Through KYHC, she qualified for the Unemployment Mortgage Assistance program. Counseling Date: 3/8/2012
  • M. Solorio

    Ms. Solorio's hardship began at the end of 2006 when her ex-husband lost his job. Despite the circumstances, she was able to continue paying the mortgage. However, at the end of 2007, her income dropped from $6,650 to $3,600 causing further hardship. After being five months behind on her mortgage, she desperately sought out for help. Through KCCD, Ms. Solorio qualified for the Mortgage Reinstatement Assistance Program Counseling Date: 1/26/2012
  • E. Torres

    Ms. Torres’s hardship started in March 2010 when she was forced to leave due to a job injury. She started to receive disability checks and sold miscellaneous products for additional income. However, with her monthly income reduced by nearly 36% , she fell behind in her mortgage payments. Being three months delinquent and continuing to fall behind, she called KCCD for help through KYHC. With KCCD’s assistance, Ms. Torres qualified for the Mortgage Reinstatement Assistance Program. Counseling Date: 1/11/2012
  • R. Truesdell

    Mr. Truesdell's hardship started when his employer impacted by the recession cut his work hours. He eventually became unemployed due to seasonal layoffs. During this time, he received Social Security benefits and his wife had provided a steady income. With his situation improving and the possibility of starting work again, Mr. Truesdell reached out to KCCD for help. Through KYHC, he qualified for the Mortgage Reinstatement Assistance Program. Counseling Date: 5/25/2012
  • M. Uribe

    Ms. Uribe lived together with her parents. Due to the economic recession, Ms. Uribe's father lost his job in 2010, and she was also laid off in March 2012. Ms. Uribe's mother was the only one working, but her income was not enough to cover all of the family's expenses. Seeking help for her mortgage payments, Ms. Uribe contacted KCCD to apply for KYHC. With KCCD’s help, she qualified for the Unemployment Mortgage Assistance program. Counseling Date: 5/29/2012
  • T. Valdivia

    Mrs. Valdivia worked as a systems manager for twenty years earning $3000/month in income. However in 2009, she became disabled due to a work-related accident which impacted her upper body and lowers back. Getting progressively worse due to her disability, she was eventually laid off in June 2012. Her husband has been working as a full-time cook for twenty-eight years, but due to her unemployment, they became delinquent on their mortgage payments. Furthermore, their expenses had risen because of their son’s college tuition and high medical bills. Desperately needing help, the Valdivia family contacted KCCD to apply for KYHC. With KCCD’s assistance, they qualified for the Unemployment Mortgage Assistance program. Counseling Date: 9/14/2012
  • J. Vargas

    Mr. Vargas used to work as a union-backed carpenter with good income. His hardship began in October 2008 when he incurred an accident at work. He received disability benefits until February 2010 when he was laid off. He started working again in April 2010 at a different company but made less income than before. His wife Mrs. Vargas worked from 2002 to 2010 as a cafeteria worker. In March 2011, she resigned from her job and she began work as an electronic assembler. However, after three months she was laid off. During her unemployment period, she began attending school to be trained as a medical assistant. With a significant reduction in income, they still had to financially support one of their children who was in college. Being in a difficult situation, the Vargas family sought out KCCD’s assistance to apply for KYHC. With KCCD’s help, they qualified for the Unemployment Mortgage Assistance program. Counseling Date: 8/27/2012
  • R. Vishwanath

    Mr. Vishwanath’s hardship began when he lost his job in March 2010. He used his unemployment benefits and savings to make his mortgage payments for awhile. However, after exhausting his savings, he could no longer keep up with the high medical expenses, and increased property taxes. Looking for relief to help with his mortgage, Mr. Vishwanath con-tacted KCCD to apply for KYHC. With KCCD’s help, he qualified for the Unemployment Mortgage Assistance Program Counseling Date: 4/19/2012
  • D. Vogel

    Mr. Vogel owned an insurance claim processing office. But in 2011, his business started to decline significantly. It had reached a point in which he had to rely on unemployment benefits. Even though Mr. Vogel was current on his payments, he was facing imminent default. Not wanting to fall behind, Mr. Vogel reached out to KCCD to apply for KYHC. With KCCD’s help, he qualified for the Unemployment Mortgage Assistance program. Counseling Date: 4/16/2012
  • B. White

    "Mr. White used to have stable income before he was laid off. He found a new job but after about two weeks, he was laid off again. Having difficulty finding another job and needing help with his mortgage, Mr. White contacted KCCD. Through KYHC, he qualified for the Unemployment Mortgage Assistance program. Keep Your Home California Successes.'' Counseling Date: 5/3/2012
  • S. Yim

    Mr. Yim was the owner and president of his company. In April 2012, his was forced to close his business due to the loss of clients and a poor economy. He used his savings to pay his mortgage and expenses. In November 2012, after exhausting his savings, he applied for unemployment benefits. His wife opened up a small retail store in October 2012 which has helped in paying expenses. Mr. Yim expects that his situations will get better as he received some job offers and planned to work by April 2013. But for the time being, he needs assistance and reached out to KCCD. Through KYHC, the Yim family qualified for the Unemployment Mortgage Assistance program. Counseling Date: 12/27/2012